Reporting and reconciliation

Get the data you need to complete your accounting and reconciliation workflows.

Fintoc's reports help you understand and reconcile the activity in your account. You can view and download these reports directly from the Dashboard or schedule reports to be sent automatically.

Select a report

When using Fintoc's Payment Initiation API, Fintoc has two reports that provide information about your transactions. Start with the task you’re looking to perform and use the table below to identify the best report.

TaskSuggested Report
- Break down the individual transactions included in each payout to your bank accountPayout reconciliation
- Download daily transaction history
- View daily transaction totals
Daily transaction

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Payout reconciliation report

The payout reconciliation report is only available when Fintoc collects payments.

The payout reconciliation report

The Payout reconciliation report shows which transaction is included in a specific payout. This report helps you reconcile each payout you received in your bank account against the transactions included in that batch.

By default, every time Fintoc makes a payout to your bank account an email is sent to you with the payout reconciliation report for that batch. To see other available delivery channels see automatic report delivery.

Structure

The payout reconciliation report is a semicolon-delimited CSV file in which the first row is column headers.

The file contains the following columns:

#ColumnTypeDescription
1idstringUnique identifier for the transaction. It is case-sensitive.
2created_atstringThe transaction's creation date, in ISO 8601 format.
3amountintegerGross amount of the transaction, in cents. For refunds, this value will appear as negative.
4feeintegerFees (in cents) paid for this transaction. If your account is configured to receive the payout full amount, then the fee is always 0.
5net_amountintegerNet amount of the transaction, in cents.
6currencystringTransaction currency ISO code
7payout_holder_idstringIdentifier of the owner of the bank account the payout was sent to. In Chile, it is a RUT and in Mexico it is an RFC.
8payout_recipient_accountstringThe account number the payout was sent to.
9payout_recipient_bankstringThe bank the payout was sent to.
10resource_typestringWhether the transaction is a payment_intent, a charge or a refund.
11metadatastringA JSON string of the transaction metadata.

Sample

For an example of the included data and structure, download a sample of the payout reconciliation report.

Daily Transaction report

Delivery schedules

The daily transaction report can be scheduled for delivery on two schemes: banking cut-off time and chronological day cut-off time. Configured schedules have two effects:

  • They change the day and hour that reports are delivered.
  • They change the time window of data that each file contains.
Delivery scheduleAvailable countryDescription
chronological dayChile
Mexico
The report will be delivered every day without exception. The file will contain data from a single day from 00:00 to 23:59.

Files will be delivered between 00:20 and 01:20.
banking dayChileThe report will be delivered according to Chile's banking cut-off time, which is business days at 14:00. Therefore, data for a specific day will be between 14:00 and 13:59 of the next business day.

Files will be delivered on business days between 14:20 and 15:20.

For example, holidays aside, a report received on a Wednesday will contain data from Tuesday at 14:00 until Wednesday at 13:59.

Another example is that a report received on Monday will contain data from the previous Friday at 14:00 until Monday at 13:59. If that Friday happens to be a holiday, the data window will be even larger (it would start on Thursday at 14:00).

Structure

The daily transaction report is a semicolon-delimited CSV file in which the first row is column headers.

The file contains the following columns:

#ColumnTypeDescription
1created_atstringThe Payment Intent's creation date, in ISO 8601 format.
2payment_idstringUnique identifier for the payment. It is case-sensitive.
3id_given_by_sender_institutionstringOperation number from the bank of the sender account.
4updated_atstringThe Payment Intent update date, in ISO 8601 format.
5amountintegerAmount of the payment, in cents.
6currencystringThe payment currency ISO code
6sender_institution_idstringThe bank that initiated the payment.
7sender_institution_cmf_codestringThe CMF code of the bank that initiated the payment. In Mexico is empty.
8sender_account_numberstringThe account number that initiated the payment.
9sender_account_typestringThe sender account type.
10sender_holder_idstringIdentifier of the owner of the bank account that initiated the payment. In Chile, it is a RUT and in Mexico it is an RFC.
11sender_namestringThe name of the owner of the bank account that initiated the payment. It can be empty.
12recipient_holder_idstringIdentifier of the owner of the bank account that received the payment. In Chile, it is a RUT and in Mexico it is an RFC.
13recipient_account_numberstringThe account number that received the payment.
14recipient_institution_idstringThe bank that received the payment.
15organization_namestringYour organization name in Fintoc's system.
16metadatastringA JSON string of the transaction metadata.

Sample

For an example of the included data, download a sample of the daily transaction report.

Available delivery channels

Instead of manually downloading files from the Dashboard, reports can be scheduled for automatic delivery via different channels. If configured, reports will be delivered periodically so that each file contains data for a specific time interval.

Email

Files can be automatically delivered to an email of your choice. The subject of the sent emails is also configurable. For instance, it is common to include the date of a given report on the subject for easier identification.

For email and subject configuration, please contact our sales team.

SFTP

The recommended way of receiving the reports is via Fintoc's SFTP. This allows to automate the extraction of files easily and securely.

Connecting to the SFTP server

Use the following information to connect to Fintoc's SFTP server:

  • Host: sftp.fintoc.com
  • Port: 80
  • Username: your organization's ID. It starts with org_
  • Password: the password provided by your Account Executive.

For access credentials, please get in touch with our sales team.

Reports path

Fintoc uploads each report in the following paths:

ReportFile path
Payout reconciliationOUT/payout/<mode>/YYYY-MM-dd-fintoc-payout-<orgname>.csv
Daily transactionOUT/daily_summary/<mode>/YYYY-MM-dd-daily-summary-fintoc-<orgname>.csv

Where <mode> can be either live or test.